Business Insurance Digital Platform and Products ebinder

Transcription

1 Business Insurance Digital Platform and Products ebinder INDEX READINESS PRODUCT DETAIL KEY BENEFITS & FEATURES APPETITE & ELIGIBILITY

2 Business Insurance Digital Platform and Products ebinder READINESS Agent Readiness Checklist State Auto BOP - Flashcards Training KEY BENEFITS AND FEATURES State Auto BOP and Small Business Auto key features and benefits BOP BOP Key Features and Benefits BOP What s changing graphic BOP What s changing video Contractors E&O Cyber Secure Coverage for ISO BOP Multi State Data Compromise for State Auto BOP TechAdvantage flyer TechAdvantage graphic APPETITE AND ELIGIBILITY State Auto BOP Appetite flyer State Auto BOP Contractors flyer State Auto BOP Distributors flyer State Auto BOP Hospitality flyer State Auto BOP Real Estate flyer State Auto BOP Retail flyer State Auto BOP Services flyer Eligibility State Auto BOP Eligibility Small Business Auto PRODUCT DETAIL State Auto BOP Apartments Coverage Options State Auto BOP Contractors Coverage Options State Auto BOP Distributors Coverage Options State Auto BOP Florists Coverage Options State Auto BOP Funeral Homes Coverage Options State Auto BOP Offices Coverage Options State Auto BOP Restaurants Coverage Options State Auto BOP Retail Coverage Options State Auto BOP Services Coverage Options State Auto BOP Veterinarians Coverage Options BAP Small Business Auto Key Benefits and Features Small Business Auto What s Changing graphic State Auto Fleet Safety 360 Telematics Program Overview flyer Which Ones Are Your Employees Why wouldn t you choose telematics flyer Why wouldn t you choose telematics video You said yes to State Auto Fleet Safety 360 flyer You said yes to State Auto Fleet Safety 360 video System Business Insurance Enhanced Billing State Auto Customer Connect flyer State Auto Customer Connect video Jump to page Jump back to this index page Jump back to section index page System enhancements Product/coverage enhancements Experience enhancements

3 Readiness Agent Readiness Checklist State Auto BOP - Flashcards Training

4 What can you do to prepare for the upcoming launch of our new platform? AGENT READINESS CHECKLIST Log in to State Auto Connect. This is our agent portal where you can quote and manage your business. You may want to bookmark this page after you login, if you haven t already done so. If you need any assistance, we have a handy login quick reference guide. Click agent training on State Auto Connect look for the Commercial Lines Agent Training tile. Check out our new Commercial Lines sales and marketing material located in the Marketing Portal/Sales Support/Commercial/Digital Tech Platform Products (New Business). Once the new platform has launched Quote lots of new business with us! Be on the lookout for communications around system enhancements, marketing updates and more! Use the training materials on State Auto Connect. Make sure your InTouch subscriptions are up-to-date. You can always contact your Account Executive with questions or our Customer Service Department at , 8 a.m. to 7 p.m. ET Monday Friday or by at CustomerService@ SM-35 (0717) Readiness 1

5 Distribution 34 Eligible Classes Where We Win Auto Parts Bakeries Barber and Beauty Shop Supplies Clothing Fabrics Floor Covering Flowers Hardware and Tool HVAC Office Supplies Plumbing Classes to avoid Energy/Fuel Wholesalers (coal, petroleum) Machinery and Equipment Dealers Chemical Wholesalers Key Coverages to Consider Spoilage and contamination Business income on dependent properties Equipment Breakdown with TechAdvantage Utility services time element and direct damage Fellow employee coverage (available on BAP Plus) Eligibility Five locations or fewer Property values of $5 million or less per location Up to 49 full and/or part-time employees 35,000 square feet or less Sales up to $6 million per location SM-33 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts, exclusions and benefits may vary by state.

6 Mercantile/Retail 105 Eligible Classes Where We Win Appliance Stores Auto Parts and Supply Bike Shops Book Stores Clothing and Accessories Drug Stores Floor Covering Stores Florist Furniture Stores Gift Shop Hardware/Home Improvement Stores Hearing Aid Stores Hobby and Craft Stores Household Furniture Stores Lawn and Garden Stores Meat, Fish, Poultry Stores Office Supply Pet Stores Sporting Goods Stores Wine Shop Eligibility Five locations or fewer Property values of $5 million or less per location Up to 49 full and/or part-time employees 35,000 square feet or less Sales up to $6 million per location Key Coverages to Consider Business Income and Extra Expense and Business Income for Dependent Properties Equipment Breakdown with TechAdvantage TM Exhibition, Fairs & Sales Samples Money and Securities Ordinance or Law Outdoor Signs Utility Services Time Element or Direct Damage Spoilage and Contamination Employment Practices Liability including third party Data Compromise Plus or CyberSecure Professional liability for Pharmacists or Opticians and Hearing Aid Specialists Classes to avoid New/Used Car Dealers Recreational Vehicle (includes Boats) Dealers Tobacco Stores SM-33 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts, exclusions and benefits may vary by state.

7 Contracting Where We Win AC system installation service and repair Carpentry Carpet cleaning Concrete Electrical work within buildings Flooring Household Appliance and accessories installation service and repair Interior decorator Landscape gardening Lawn sprinkler installation Masonry Painting Interior and Exterior (3 stories or less) Residential plumbing Sign painting inside buildings Tile, stone, marble, mosaic Window cleaning 3 stories or less Eligibility Five locations or fewer Property values of $5 million or less per location Up to 49 full and/or part-time employees 35,000 square feet or less Sales up to $6 million per location 68 Eligible Classes Key Coverages to Consider Contractors E&O Contractors Installation Contractors Tools and Equipment Coverage - scheduled and blanket options available Employee s Tools Non-Owned Tools Care, custody and control Per project aggregate Additional insureds Waiver of subrogation Primary and noncontributory - other insurance Equipment Breakdown with TechAdvantage Classes to avoid New Multifamily Housing Construction (Tract Home Builders) Oil and Gas Pipeline Construction Roofing Contractors This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts, exclusions and benefits may vary by state. SM-33 (0817)

8 Services 47 Eligible Classes Where We Win Barbershops, Beauty Salons, Nail Salons Engraving Funeral Homes Laundry and Dry Cleaners Mailbox or Package Store Photographers Printers Tailor/Dressmaking Shops Veterinarians Classes to avoid Key Coverages to Consider Professional Liability for: Barbers and Beauticians Florists Funeral Directors Veterinarians Errors and Omissions Liability for: Pre-Funded Funeral Services Exhumation Expenses for Funeral Homes Printers Product Recall and Correction of Work Business Income and Extra Expense Property Off Premises and In Transit Personal Effects and Property of Others CyberSecure or Data Compromise Plus Equipment Breakdown with TechAdvantage TM Outdoor Signs Bailee Personal Property of Others ALS for Dry Cleaners Tools and Equipment Coverage for Photographers - On and Off Premises Worldwide Coverage for Photographic Equipment Security Guards and Patrol Services Solid/Hazardous Waste Collection including landfills Child Care/Day Care/Adult Day Care Services Eligibility Five locations or fewer Property values of $5 million or less per location Up to 49 full and/or part-time employees 35,000 square feet or less Sales up to $6 million per location SM-33 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts, exclusions and benefits may vary by state.

9 Real Estate 40 Eligible Classes Where We Win Apartments Architects and Engineers Attorneys Condo Associations Insurance Agents Medical Offices Offices - Professional Real Estate Agents Key Coverages to Consider Directors, Officers and Trustees Liability Condos Debris Removal Newly Acquired Property Ordinance or Law Outdoor Property Back up of Sewer and Drains Equipment Breakdown with TechAdvantage TM Data Compromise Plus Eligibility Five locations or fewer Property values of $5 million or less per location Up to 49 full and/or part-time employees 35,000 square feet or less Sales up to $6 million per location Classes to avoid Offices of Bank Holding Cos. Family Planning Centers SM-33 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts, exclusions and benefits may vary by state.

10 Hospitality 36 Eligible Classes Where We Win Bistros Cafes Cafeteria/Buffet Deli/Sub Shops Diners Donut Shop Family Style Fast Food Fine Dining Ice Cream/Yogurt Shops Pizza Shops Key Coverages to Consider Spoilage and Contamination Medical Payments applicable to the Products and Completed Operations Hazard Business Income and Extra Expense Coverage due to food-borne disease Customers Outerwear Loss or Damage to Customers Autos Back Up of Sewers and Drains Credit Card Theft Employee Theft Ordinance or Law Outdoor Signs Utility Services Direct Damage and Time Element Liquor Liability Equipment Breakdown with TechAdvantage TM CyberSecure or Data Compromise Plus Employment Practices Liability Including Third Party Eligibility Five locations or fewer Property values of $5 million or less per location Up to 49 full and/or part-time employees 35,000 square feet or less Sales up to $6 million per location Classes to avoid Bars Nightclubs 24-hour Operations Casinos SM-33 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts, exclusions and benefits may vary by state.

11 State Auto BOP and Small Business Auto key features and benefits BOP State Auto BOP Key Features and Benefits BOP What s changing graphic BOP What s changing video Contractors E&O Cyber Secure Coverage for ISO BOP Multi State Data Compromise for State Auto BOP TechAdvantage flyer TechAdvantage graphic BAP Key Benefits and Features Small Business Auto Key Benefits and Features Small Business Auto What s Changing graphic State Auto Fleet Safety 360 Telematics Program Overview flyer Which Ones Are Your Employees Why wouldn t you choose telematics flyer Why wouldn t you choose telematics video You said yes to State Auto Fleet Safety 360 flyer You said yes to State Auto Fleet Safety 360 video SYSTEM Business Insurance Enhanced Billing State Auto Customer Connect flyer State Auto Customer Connect video

12 Welcome to a new State Auto Experience WE RE CHANGING! New quoting and policyholder management system for State Auto BOP and Business Auto. Enhanced products and appetite. Improved agent and customer experience. New quoting and policyholder management system benefits Immediate answers to: Is this eligible? By responding to a few questions, you ll receive an immediate response. Can I bind this? You ll know within minutes whether or not a quote is bindable. What product do I use? Our intuitive system will guide you on which quoting platform you ll need to use. You have the ability to quote and issue policies for many of our State Auto BOP and Business Auto classes. Less typing and guess work common information, such as vehicle details and building characteristics, is automatically filled in (where available). No more separate supplemental applications it s all included in the quote. We changed our online application and quoting process to ask questions specific to the risk. Our new platform allows us to know and understand our customers. We can track what coverages, limits and services are important to them and we can react to those needs. It s not just customers who can provide us with feedback, you have that opportunity, too! Product and appetite enhancements It s designed for growth. Clearly defined appetite and coverages tailored for those classes of business with flexible coverage options. We ve adopted over 330 ISO BOP class codes for our comprehensive BOP product. Over 220 of those codes are eligible for you to quote and issue! Value added telematics program with FREE fleet management tool, DISCOUNTS for participating and for good driving habits, FREE telematics device for every qualifying power unit that s a $150 value per vehicle. New coverages available! E&O coverages for contractors (State Auto BOP product) and mechanics (package product) Enhanced Equipment Breakdown coverage with TechAdvantage. New coverage added to DC+ (Data Compromise Plus ). New CyberSecure coverage for BOP. And more! With the changes we ve made to our product and appetite, we re confident you ll be able to reach new customers and continue to grow your book of business profitably with us. Agent and customer experience improvements esignatures, electronic billing and policy management allow for better tracking and simplified access to account organization. Customers can access their policy and billing information online at anytime. We re focused on perfecting every interaction with every agent and every customer because the experience of doing business with us is what makes us who we are. SM-371 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. Key Benefits and Features

13 BOP State Auto BOP Key Features and Benefits BOP What s changing graphic BOP What s changing video Contractors E&O Cyber Secure Coverage for ISO BOP Multi State Data Compromise for State Auto BOP TechAdvantage flyer TechAdvantage graphic Key Benefits and Features

14 Welcome to a new State Auto Experience WE RE CHANGING OUR BUSINESSOWNERS POLICY! New quoting and policyholder management system for State Auto BOP. Enhanced products and appetite. Improved agent and customer experience. New quoting and policyholder management system benefits FOR SMALL BUSINESS BOP Immediate answers to: Is this eligible? By responding to a few questions, you ll receive an immediate response. Can I bind this? You ll know within minutes whether or not a quote is bindable. What product do I use? Our intuitive system will guide you on which quoting platform you ll need to use. You have the ability to quote and issue policies for many of our State Auto BOP and Business Auto classes. Less typing and guess work common information, such as vehicle details and building characteristics, is automatically filled in (where available). No more separate supplemental applications it s all included in the quote. We changed our online application and quoting process to ask questions specific to the risk. Product and appetite enhancements It s designed for growth. Clearly defined appetite and coverages tailored for those classes of business with flexible coverage options. We ve adopted over 330 ISO BOP class codes for our comprehensive BOP product. Over 220 of those codes are eligible for you to quote and issue! New coverages available! E&O coverages for contractors (State Auto BOP product) and mechanics (package product) Enhanced equipment breakdown with TechAdvantage. New coverage added to DC+ (Data Compromise Plus ). New CyberSecure coverage for BOP. And more! Agent and customer experience improvements esignatures, electronic billing and policy management allow for better tracking and simplified access to account organization. Customers can access their policy and billing information online at anytime. SM This brochure is intended for general information purposes only and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. BOP

15 Product and appetite enhancements We ve adopted over 330 ISO BOP class codes. Over 220 of those codes are eligible for straightthrough processing which means you can quote and issue the policy. Targeted Industries Where We Win! Contracting Over 60 eligible classes, including: AC System Installation and Repair Carpet Cleaning Electrical Work within buildings Flooring Household Appliances and Accessories - installation, service and repair Interior Decorator Landscape Gardening Lawn Sprinkler Installation Residential Plumbing Sign painting inside buildings Tile, Stone, Marble, Mosaic Distributor Over 30 eligible classes, including: Auto Parts Bakeries Barber and Beauty Shops Clothing Fabrics Floor covering Flowers Hardware HVAC Office Supplies Plumbing Tools Hospitality Over 30 eligible classes, including: Bistros Cafes Cafeteria/Buffet Deli/Sub Shops Diners Donut Shops Family Style Fast Food Ice Cream/Yogurt Shops Pizza Shops Retail Over 100 eligible classes, including: Auto Parts and Supplies Bike Shops Book Stores Clothing and Accessories Drug Stores Floor Covering Florist Gift Shops Hearing Aid Stores Hobby and Craft Stores Household Furniture Stores Lawn and Garden Stores Office Supply Pet Stores Sporting Goods Stores Wine Stores Real Estate Over 30 eligible classes, including: Architect and Engineer Offices Attorneys Offices Condo Associations Apartments Insurance Agent Offices Medical Offices Real Estate Agents Veterinarians domestic animals only Services Over 40 eligible classes, including: Barbershops, Beauty Salons, Nail Salons Engraving Funeral Homes (Affinity Groups available) Laundry and Dry Cleaners Mail or Package Stores Photographers Tailor/Dress Making Shops

16 Improved agent and customer experience WHAT S CHANGING? Feature Enhanced System - State Auto Connect Traditional State Auto System Eligibility Immediately known within a few questions Requires underwriter review Pre-fill Ability to pre-fill vehicle and building information No benefit available Policyholder Access esignature Billing, claim and policy information easily accessible online at through Customer Connect. Available through a secure electronic signature process No benefit available. Customers must contact agent in order to obtain policy information. No benefit available Supplemental Apps All inclusive included in the quote process Separate Billing Options Annually Quarterly Monthly Credit Card Debit Card EFT Mortgagee Annual Semi-annual Quarterly Monthly Check Credit card Debit card EFT Agency Bill Coverages Flexibility of coverages and limits Enhancements bundled with limited flexibility for limits or coverage options BOP

17 WHAT S CHANGING: STATE AUTO BOP We ve adopted over 330 BOP class codes. Over 220 of those codes are eligible for straight through processing which means you can quote and issue the policy. What changes have been made to our BOP product? Let s find out! PROPERTY VALUES NUMBER OF LOCATIONS Building and contents up to $5 million per location Qualifying risks can have up to five locations PAYROLL FOR CONTRACTING RISKS SQUARE FOOTAGE Payroll for the State Auto BOP can be as high as $500,000 with subcontracting exposures up to 25 percent Up to 35,000 square feet 7,500 square feet for Restaurants 100,000 square feet for Office risks NUMBER OF EMPLOYEES SALES Up to 49 full-time and/or part-time employees are eligible for the State Auto BOP State Auto BOP policies can have up to $6 million in sales at each location TOP 5 REASONS TO USE STATE AUTO Immediate eligibility answer by answering a few questions, within minutes, you'll know if your risk qualifies Less typing and guess work common information is automatically filled in esignatures, electronic billing and policy management allow for better tracking and account information No more separate supplemental applications it s all included in the quote It s designed for growth with a clearly defined appetite and coverages tailored for those classes of businesses SM-375 (0317) This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. BOP

18 Contractors E&O State Auto BOP Commercial General Liability Coverage isn t enough protect your unique exposure as a contractor with a tailored errors & omissions policy. What is it? Contractors E&O coverage helps protect you after you complete a job and are held responsible for negligence in installation, workmanship, materials or design. Even a simple complaint has the potential to escalate into a legal dispute. Coverage Responds to third-party customer demand resulting from property damage to your work, your product and impaired property caused by a contractor s negligent act, error or omission while acting in your eligible insured business. Coverage is provided on a claims-made basis. 60-day basic extended reporting period at no additional charge. Limits of Liability Range of limit options from $50,000 to $1M. Deductible $1,000 standard per claim deductible. Additional options of $2,500 and $5,000 (when liability limits of $100,000 and higher are chosen). General Eligibility Applicant must have conducted insured business a minimum of 36 months. No previous construction defect losses in the last 36 months. Eligible Classes Over 20 eligible classes such as appliance installers, carpet installers, fence erection contractors, interior decorators, painters, select specialty trade contractors and more. MK-1344 (0717) The material is intended for general information purposes only and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. BOP

19 CyberSecure State Auto BOP What is it? CyberSecure coverage protects businesses against damage to electronic data and computer systems from a virus or other computer attack. It also protects a business s liability to third parties that may have suffered damage due to security weakness in the business s computer system. Coverage First-party Coverage is triggered by a computer attack An unauthorized person gaining access to the insured s computer system; A malware attack; or A denial of service attack These are six first-party coverages potentially triggered, depending on coverage option selected: Data restoration costs Coverage for the cost of a professional firm hired by the insured to replace lost or corrupted data from electronic sources. Data re-creation costs (not available with $50,000 limit option) Coverage for the cost of a professional firm hired by the insured to research, recreate and replace lost or corrupted data from non-electronic sources. Sub-limit varies based on Computer Attack limit selected. System restoration costs Coverage for the cost of a professional firm hired by the insured to restore its computer system to its pre-attack level of functionality by replacing or reinstalling software, removing malicious code and correcting the configuration of the insured s computer system. Loss of business (not available with $50,000 limit option) Coverage for business income lost by the insured and extra expenses incurred by the insured during the period of time when system and data recovery activities are taking place. Sub-limit varies based on Computer Attack limit selected. Public relations services (not available with $50,000 limit option) Coverage for assistance from a professional public relations firm in communicating with outside parties concerning the Computer Attack and the insured s response. Subject to a sub-limit of $5,000. Cyber extortion Coverage is provided for the cost of a professional firm hired by the insured to investigate and negotiate a cyber extortion (cont.) (cont.) threat a credible threat or series of threats to launch a potential denial of service attack against an insured. Subject to a sub-limit of $10,000. A limit of $25,000 is available for an additional premium. Third-party Coverage (Cyber Liability) is triggered by a network security liability suit a civil proceeding, an alternative dispute resolution proceeding or a written demand for money alleging that a negligent failure of the insured s computer security allowed one of the following to occur: A breach of third-party business data (not available with $50,000 limit); An unintended propagation or forwarding of malware; or A denial of service attack in which the insured unintentionally participated In the event of a network security liability suit, CyberSecure covers costs of defense, settlement and judgment. Defense is provided within the Cyber Liability coverage limit. Electronic Media Liability coverage is included with the Cyber Liability premium: Coverage is provided for defense and settlement costs in the event a third-party claimant sues the insured alleging the insured s electronic communications resulted in defamation, violation or a person s right of privacy, interference with a person s right of publicity or infringement of copyright or trademark. The first and third party limits are separate from one another and cannot be combined or stacked. There need not be a covered loss under the first-party coverage in order for there to be a loss under the thirdparty coverage. Ineligible classes Adult Business, Gambling or Gaming, Financial Institutions, Municipalities and Schools, Colleges and Universities Limits of Liability (Computer Attack/Cyber Liability) $50,000/$50,000 $100,000/$100,000 Deductible $1,000 Computer Attack; $1,000 Cyber Liability MK-1359 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. BOP

20 State Auto Data Compromise Plus For State Auto BOP This coverage endorsement modifies the General Liability Coverage form. Data Compromise Plus includes in a single endorsement: Response Expenses Defense and Liability coverage Identity Recovery services Who needs Data Compromise Plus coverage? Any business that possesses personal data on clients, employees and others that can be stolen, electronically hacked, or lost through an accidental or inadvertent release. A data breach covered under this endorsement may be: Electronic (e.g., theft of electronic files) Physical (e.g., theft of hard copy files) Procedural (e.g., accidental public posting of personal information) Fraud-related (e.g., purchase of personal information by sham companies) Response Expense Response Expense Coverage basic limit is $50,000 annual aggregate. Optional Limits of $100,000 and $250,000 are also available. Response Expense coverage is subject to a $1,000 deductible. Named Malware Provides protection for attacks from Named Malware $50,000 sub-limit. Forensic Information Technology Review Pays costs of professional review to determine the nature and extent of the data breach Sub-limit is 10 percent of the annual aggregate limit. Legal Review Pays costs for an attorney to review the policyholder s obligations as a result of the data breach Sub-limit is 10 percent of the annual aggregate limit. Notification Expenses Pays the insured s cost to notify affected individuals of a breach of personally identifying information. Services to Affected Individuals: Credit reports and monitoring Identify restoration case management Toll-Free Help Line Customer Support and Loss Prevention Informational Material Public Relations Services to review and respond to the potential impact of the data compromise event on the insured s business relationships $5,000 sub-limit. Fines and Penalties Any regulatory fine and penalty imposed to the extent such fine or penalty is legally insurable under the law of the applicable jurisdiction - $10,000 sub-limit for $50,000 & $100,000 annual aggregates; increases to $25,000 for $250,000 annual aggregate. Any Payment Card Industry fines and penalties imposed under a contract to which you are a party. Does not include any fraudulent charges, assessments or increased transaction costs - $10,000 sub-limit for $50,000 & $100,000 annual aggregates; increases to $25,000 for $250,000 annual aggregate. Defense and Liability Responds to legal actions brought by affected individuals as a result of a breach of their personal information. Defense costs provided inside the coverage limit Defense and Liability Coverage limit must be the same as the Response Expense Coverage limit Coverage is subject to a $1,000 deductible Identity Recovery Provides these identity recovery services to the named insured for up to 12 months: Provides for the services of an identity recovery case manager as needed to respond to an identity theft Reimburses expenses incurred as a direct result of an identity theft including: Legal costs, lost wages, postage, credit reports and other related expenses specified in the coverage form Identity Recovery Expense Reimbursement limit is $15,000. Identity Recovery deductible is $250 per each identity recovery insured. In addition to all these benefits, every State Auto Data Compromise Plus policyholder is provided free access to eriskhub, an exclusive website, providing current data breach risk management and loss prevention information. MK-838 (0817) The material is intended for general information purposes only and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. BOP 1

21 TechAdvantage TM Introducing a Revolutionary Equipment Breakdown Coverage TechAdvantage is equipment breakdown coverage for the 21st century. It responds to new exposures and new risks from rapidly evolving technologies with bold new coverages. Adds cloud to service interruption Adds cloud computing services to service interruption coverage (subject to sub-limit and deductible). Triggering outage must exceed applicable waiting period. Expands off-premises coverage In addition to physical damage, payment for off-premises equipment breakdown includes Business Income, Extra Expense and Data Restoration. Adds data restorage for service interruption Adds data restoration coverage for data lost when there s a covered service interruption. Data may be at the insured location or the insured s cloud service provider. Subject to waiting period and sublimit. Provides public relations assistance Pays for PR assistance to help manage a reputation that may be damaged by interruption of business. Applies if there s a covered loss of business income, up to $5,000 sub-limit. Covers microelectronics Adds a second cause of loss when damage is not detectable or when firmware or software failure causes non-physical damage. Triggered when covered equipment suddenly stops functioning as it had been and that equipment or a part containing electronic circuitry must be replaced. More features Pays up to 150 percent of the loss payable for upgrades to more energy efficient, safer or environmentally friendly equipment. Up to additional $25,000 for green equipment breakdown for package policies only. Mold coverage available up to $25,000 for mold coverage for package policies only. Contact our agency for all your business insurance needs. MK-1102 (0417) This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations, exclusions and conditions. Please read the policy forms and endorsements for details. BOP

22 INTRODUCING TM TechAdvantage Revolutionary Equipment Breakdown Coverage TechAdvantage is equipment breakdown coverage for the 21st century. It responds to new exposures and new risks from rapidly evolving technologies with bold new coverages. ADDS CLOUD TO SERVICE INTERRUPTION Adds cloud computing services to service interruption coverage (subject to sublimit and deductible). Triggering outage must exceed applicable waiting period. EXPANDS OFF-PREMISES COVERAGE In addition to physical damage, payment for off premises equipment breakdown includes Business Income, Extra Expense and Data Restoration. ADDS DATA RESTORATION FOR SERVICE INTERRUPTION Adds data restoration coverage for data lost when there's a covered service interruption. Data may be at the insured location or the insured's cloud service provider. Subject to waiting period and sublimit. PROVIDES PUBLIC RELATIONS ASSISTANCE Pays for PR assistance to help manage a reputation that may be damaged by interruption of business. Applies if there's a covered loss of business income, up to $5,000 sublimit. COVERS MICROELECTRONICS Adds a second cause of loss when damage is not detectable or when firmware or software failure causes non-physical damage. Triggered when covered equipment suddenly stops functioning as it had been and that equipment or a part containing electronic circuitry must be replaced. MORE FEATURES Pays up to 150 percent of the loss payable for upgrades to more energy efficient, safer or environmentally friendly equipment Up to additional $25,000 for green equipment breakdown* Includes $25,000 mold coverage* SM Certain state exceptions may apply. Check your state manual. *These coverages apply to our package policies only. BOP

23 BAP Small Business Auto Key Benefits and Features Small Business Auto What s Changing graphic State Auto Fleet Safety 360 Telematics Program Overview flyer Which Ones Are Your Employees Why wouldn t you choose telematics flyer Why wouldn t you choose telematics video You said yes to State Auto Fleet Safety 360 flyer You said yes to State Auto Fleet Safety 360 video Key Benefits and Features

24 Welcome to a new State Auto Experience WE RE CHANGING OUR BUSINESS AUTO PRODUCT! New quoting and policyholder management system for Business Auto. Enhanced products and appetite. Improved agent and customer experience. New quoting and policyholder management system benefits FOR SMALL BUSINESS BAP Immediate answers to: Is this eligible? By responding to a few questions, you ll receive an immediate response. Can I bind this? You ll know within minutes whether or not a quote is bindable. What product do I use? Our intuitive system will guide you on which quoting platform you ll need to use. You have the ability to quote and issue policies for many of our Business Auto classes with nine or fewer vehicles. Less typing and guess work common information, such as vehicle details and building characteristics, is automatically filled in (where available). No more separate supplemental applications it s all included in the quote. We changed our online application and quoting process to ask questions specific to the risk. Product and appetite enhancements It s designed for growth. We ve expanded our appetite for monoline auto policies for risks with nine or fewer vehicles. Value added telematics program with FREE fleet management tool, discounts for participating and for good driving habits, FREE telematics device for every qualifying power unit this could mean savings of $100s even $1,000s! Agent and customer experience improvements We re going paperless! esignatures, electronic billing and policy management allow for better tracking and account organization. Customers can access their policy and billing information online. WELCOME TO THE NEW STATE AUTO EXPERIENCE! SM-377 (0817) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. BAP

25 WHAT S CHANGING: STATE AUTO BAP TELEMATICS NUMBER OF VEHICLES Telematics program available: Discounts No activation/monthly fees Free devices & fleet management tool Nine power units or less RADIUS VEHICLE SIZE Local and intermediate Private passenger Light Medium MONOLINE AUTO POLICIES LOSS HISTORY Monoline auto policies are available with our Small Business Auto program Fewer than three losses TOP 5 REASONS TO USE STATE AUTO Immediate eligibility answer by answering a few questions, within minutes, you'll know if your risk qualifies Less typing and guess work common information is automatically filled in esignatures, electronic billing and policy management allow for better tracking and account information No more separate supplemental applications it s all included in the quote It s designed for growth with a clearly defined appetite and coverages tailored for those classes of businesses SM This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. BAP

26 Small Business Auto State Auto Fleet Safety 360 SM Telematics Program Protect your investment. Protect your employees. You have drivers on the road every day doing great things for your business. Whether you have one vehicle or a fleet of 50, vehicles owned by your business are a big investment. So are the people you hire to drive them. Wouldn t it be great to be able to better protect your vehicles and your people? And at the same time, earn discounts on your insurance premium and receive a free tool to help you optimize your business? Now you can. What is telematics? Telematics is the gathering of vehicle information and data via communication devices such as satellites and wireless technologies. Why State Auto Fleet Safety 360? Free products Companies may charge the following for their telematics program. With State Auto, you get all of this for FREE: Activation fees (around $20 per vehicle) Cost of the device (ours is valued at $80) Monthly fees (average costs range from $8 to $20-per vehicle/per month) This could mean savings of $100s even $1000s! Potential benefits of the fleet management tool include: Improvement in operational efficiencies, such as: Driver routes Create virtual boundaries, called geofences Vehicle use Fuel costs Productivity Customer service Manage drivers effectively by monitoring driving events, such as: Hard braking Speed Set curfews - Protecting your investment Discounts With telematics fleet management, you get information about your vehicles, including: Location Maintenance Unauthorized use Alerts to breakdowns or accidents Receive up to a 10* percent participation discount once enrolled. Earn up to a 25* percent premium discount at renewal if your fleet score reflects safer driving habits. Your fleet score is based off all your vehicles. SM * Availability and discounts may vary by state This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. BAP

27 Which ones are your employees? How do you really know? If you had State Auto Fleet Safety 360 SM Telematics and free fleet management tool, you could set curfews and geo fencing, so you d get alerted when employees drive your vehicles outside of the hours or boundaries you set. Don t just know your fleet. Drive it. State Auto Fleet Safety 360 MK-819 This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. BAP 1

28 SAFETY 360 SM FLEET Why wouldn t you choose fleet telematics? Whether you have one car or a fleet of 50, business autos are a major investment for your business. Know where your vehicles and drivers are State Auto Fleet Safety 360 SM allows you to set curfews on your vehicles, so you get alerted to unauthorized use. State Auto Fleet Safety 360 also allows you to set geofences so you ll be alerted when drivers go outside of approved routes. Keep track of driving scores Know exactly how your drivers are performing, with information on factors such as braking, acceleration and speeding. Monitor the most economic driving route See on a map exactly where your drivers are going and when. Receive real-time fuel consumption to better manage fuel costs and ensure your drivers are taking the best route. Save by using our device Our State Auto Fleet Safety 360 program saves you money with discounts, free telematics device(s) and no monthly fees. Stay ahead of changing weather Receive weather conditions on your drivers' routes. Receive maintenance and breakdown alerts Be alerted when your vehicles are due for service and know what needs to be fixed before a breakdown happens. Get to your stranded drivers more quickly to get a new driver en route with your goods or services to avoid customer delays. SM-369 (0717) The material is intended for general information purposes only and is not an insurance policy. BAP

29 SM You said YES! to State Auto Fleet Safety 360 SM... So what s next? After signing up for State Auto Fleet Safety 360, you ll receive your device(s), also called dongle(s), via mail. What s a dongle? It s the device that s inserted in the OBD port usually located in the lower dash near the steering column it s about the size of a match box. This device collects all of the data that can be used for fleet management, such as speed, driving conditions, vehicle maintenance and much more. Each device will be assigned to a specific vehicle in your fleet and will be clearly marked when you receive it. Plug in the device and take a few trips this will activate the device. You ll receive an with a website address, your username and a password. This will give you access to your Fleet management Dashboard. Here s where you ll: Set key driver parameters Make driver route decisions You can access this dashboard via an online portal or you can download the State Auto Fleet Safety 360 app to your mobile device to receive instant alerts and access information from anywhere, anytime! The device(s) must be activated within 60 days of receipt. Changing vehicles? Opting out of the program? Send the dongle(s) back to prevent receiving the $50 per device fee. We ll provide a postage-paid envelope and allow for up to 20 days to get them back to us. Collect data on how your fleet is performing for both individual vehicles and your entire fleet You re now ready to manage your fleet with ease and start saving on your auto insurance policy. You can always contact your agent with questions or our Customer Service Department at , 8 a.m. to 7 p.m. ET Monday Friday or by at CustomerService@ MK This brochure is intended for general information purposes only, and is not an insurance policy. State Auto does not warrant that reliance upon this document will prevent accident or losses, or satisfy federal, state or local codes, ordinances or regulations, nor guarantees results based upon use of this information. Eligibility, coverages, discounts and benefits may vary by state.

30 System Business Insurance Enhanced Billing State Auto Customer Connect flyer State Auto Customer Connect video Key Benefits and Features

31 Enhanced State Auto Commercial Lines BILLING Curious about how our billing is changing? Here s a look at some of the changes that are taking place: Benefit New Billing Experience Traditional State Auto Billing Customer View Billing Down Payment Payment Options Payment Methods One Time Payments Online Customers Payment authorization Easily accessed online. Available on through Customer Connect Electronically uploaded at time of sale via Checking account, Savings account or Credit or Debit cards with the flexibility to bill mortgagees directly Annual Quarterly Monthly/12 pay Convenient, recurring automatic withdrawal using a checking/savings account, credit card or debit card. No more checks, stamps, envelopes or trips to the post office! Not available automatic withdrawal is set up at point of sale Customers can make a one time payment, update payment method, or change withdrawal date by calling Secure electronic signature process Paper copy received in mail Cash or other forms of payment such as Credit or Debit cards or Agency Bill accepted with application Annual Semi-Annual Quarterly Monthly/11 pay Check Credit Card/Debit Card EFT Agency Bill Cash Yes, through Paper authorization form physical signature required While we re still in the midst of standing up all of our lines of business on the new system, here s a look at how your customers might experience split billing between the two systems. Benefit BOP Business Auto Small Business Umbrella Package WC Umbrella Bill Format Payment Methods Payment authorization One Time Payments Online Customers View bill online - Customers Easily accessed online. Available on through Customer Connect Convenient, recurring automatic withdrawal using a checking/savings account, credit card or debit card. No more checks, stamps, envelopes or trips to the post office! Secure electronic signature process Not available automatic withdrawal is set up at point of sale Customers can make a one time payment, update payment method, or change withdrawal date by calling Yes, through and logging into Customer Connect Paper copy received in mail Check Credit Card/Debit Card EFT Agency Bill Cash Paper authorization form physical signature required Yes, through Not a benefit available SM-370 (0317) This brochure is intended for general information purposes only, and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Please read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. System

32 State Auto Customer Connect It s your policy. You should have access to it when you want it. Now, you can. With State Auto Customer Connect, our new customer portal, you can: Access policy information, including declaration pages, ID cards and endorsements. View payment information including current bill, last payment, next bill and amount due. If you d like to make a payment outside of your automated bill pay, change the automated bill pay date or change your method of payment, contact our Customer Service department. Send notes directly to your claims adjuster. Securely electronically sign forms online your signature can t be easily forged, altered or destroyed. You ll receive your login information from us to get access to all of the great features in Customer Connect as soon as you choose State Auto. Contact our Customer Service department at , 8a.m. to 7p.m. ET Monday Friday or by at CustomerService@. YOUR INSURANCE POLICY. YOUR INFORMATION WHEN YOU WANT IT. YOUR STATE AUTO CUSTOMER CONNECT. MK-834 (0817) The material is intended for general information purposes only and is not an insurance policy. Coverages described are subject to definitions, limitations and conditions. Read the policy forms and endorsements for details. Eligibility, coverages, discounts and benefits may vary by state. System 1

33 Appetite and Eligibility State Auto BOP Appetite flyer State Auto BOP Contractors flyer State Auto BOP Distributors flyer State Auto BOP Hospitality flyer State Auto BOP Real Estate flyer State Auto BOP Retail flyer State Auto BOP Services flyer Eligibility State Auto BOP Eligibility Small Business Auto